避風港!美元轉強、人民幣誘人

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2016/11/01 第766期  |  訂閱/退訂  |  看歷史報份

持卡竅門 愛金卡積點 吸引小資族
可轉換哩程 點數不浪費
外幣投資 避風港!美元轉強、人民幣誘人
外幣安養信託 擁四優勢

持卡竅門

愛金卡積點 吸引小資族
記者吳曼筠/台北報導/經濟日報
為吸引小資族辦卡,業者搶推電子票證結合信用卡的優惠方案。

電子票證發展越來越多元,為了抓住不同族群,信用卡發卡機構積極與電子票證公司洽談合作,並根據電子票證特性設計信用卡優惠,以愛金卡為例,在超商消費一元可累積一點,點點成金的特性,吸引不少小資族辦卡。

愛金卡使用層面多且廣,生活類包括7-ELEVEn、康是美、Smile加油站等;餐飲類包括COLD STONE、星巴克等;交通運輸包括台鐵、高捷、統聯、葛瑪蘭客運等,都可用愛金卡支付。

玉山icash聯名卡主打網路購物功能,網路交易最高可達5%現金回饋,不過必須注意的是,當期帳單必須新增一般消費五筆、且單筆消費需699元以上,在網上購物時才得享5%現金回饋、且每期回饋上限為300元。

中信酷玩卡則專為年輕族群設計,卡戶可選擇附上悠遊卡或者愛金卡功能。中信銀表示,根據年輕人特性,設計出中油直營及加盟站三倍紅利點數回饋;五大電信資費繳付四倍紅利點數回饋;指定網路購物五倍紅利點數回饋。此外,生日當月指定網購還能達十倍高回饋。

華南icash聯名信用卡在網路消費,可享2.5%現金回饋、回饋上限每期250元,根據華南銀行定義,網路消費指的是透過手機、平板、或者電腦刷卡付現,就能被視為網路通路。不過必須注意的是,在網路上消費適用於現金回饋,就不再同時累積紅利點數回饋。

 

可轉換哩程 點數不浪費
記者吳曼筠/台北報導/經濟日報

年底將近,進入旅遊旺季,電子票證除了支付功能,支付過程所衍生的點數還能發揮點數經濟綜效。愛金卡OPENPOINT點數祭出與四大航空(中華航空、亞洲萬里通、長榮航空、日本ANA)哩程雙向互換,讓每一點紅利都不會白白浪費。

使用愛金卡消費,每一元都可以累積一點。每300點則可折抵新台幣一元,若要將點數換成哩程數,每2萬點可換亞洲萬里通100哩;每7.5萬點可換長榮航空優惠哩程500哩、或中華航空華夏哩程300哩;每5.3萬哩可兌換ANA200哩。

愛金卡表示,從今年3月以來,四大航空飛行會員與OPENPOINT互換的哩程數,合計逾3,400萬哩,換算下來,OPENPOINT與航空業者合作流通的總哩程數,相當於可環遊世界1,372圈,且六個月內兌換人次超過5萬。

除了點數能夠換哩程,哩程也能兌現金抵用券。愛金卡進一步說明,四大航空中以長榮航空至今兌換最活躍,長榮航空的無限萬哩遊會員,就可以用2,000哩飛行哩程換成7-ELEVEn200元現金抵用券,哩程累積更能靈活運用。

即使紅利點數不多,無法兌換成哩程,愛金卡點數也可兌換成商品或現金抵用券,且點數累積方式還可以透過日常消費來賺取,全台特約機構包括7-ELEVEn 、康是美、Smile加油站等6,500個以上的據點都可以使用愛金卡支付並同時累積點數。

 

外幣投資

避風港!美元轉強、人民幣誘人
記者葉子菁、楊雅婷/台北報導/聯合晚報

第4季全球面臨美國總統大選、義大利憲政公投、Fed升息、英國脫歐等變數,市場震盪加大,理財操作困難度增加,投資人風險趨避意識開始提升。法人指出,美國9月CPI攀升至1.5%,創2014年11月來新高,在通膨壓力漸增下,Fed升息腳步逼近,也帶動美元轉強,而人民幣的息收居SDR(IMF特別提款權貨幣)之冠,將持續吸引全球央行及政府機構擴大布局,二大強勢貨幣長多格局看俏,為第4季動盪行情下的資金避風港。

台新中美貨幣市場基金經理人楊珮玉表示,美元走勢與美國通膨及利率政策息息相關,而這二大指標正朝有利美元走強的方向進行。就通膨分析,近期OPEC達成凍產協議,石油最大供應國沙鳥地阿拉伯也表示未來不排除減產,在供給量可望減少下,近期油價強勁彈升至50美元以上,分析師估計,若能有效按凍產協議進行,將支撐油價中長期偏多行情,未來甚至有機會上看70美元。在油價走強的趨勢下,全球的通膨逐漸升溫。

楊珮玉指出,通膨一向為Fed利率政策的重要參考指標,美國9月CPI來到1.5%,較8月的1.1%大增0.4個百分點,不僅是今年新高,更創2014年11月以來新高紀錄,也使得Fed升息的動機大幅提升。分析師普遍認為Fed今年內至少升息1碼,明年有機會升息二次,美國正式步入緩步升息循環,帶動美元長多格局。未來不論是柯林頓或川普當選總統,Fed升息方向皆不會改變,美元可延續強勢表現。

楊珮玉表示,人民幣在今年10/1正式納入SDR,人民幣權重高達10.2%,擠下英鎊及日圓,成為僅次於美元及歐元的第三大強勢貨幣,由於SDR具國際支付功能,將大大地提升主權機構持有意願;另一方面,人民幣目前三個月存款/RP利率高達3.65%,遠遠高於其他SDR貨幣,將變為更搶手。

此外,近期大陸國家統計局新聞發言人盛來運公開發表看好人民幣後市的言論,他表示,中國大陸經濟的基本面非常好,且經濟運行的穩定性增強,經濟的內生結構優化,同時還有龐大的外匯儲備,這是人民幣保持穩定的最強有力的支撐,從中長期的角度來看,人民幣不存在持續貶值的基礎。

 

外幣安養信託 擁四優勢
記者韓化宇/台北報導/經濟日報

除了今年竄紅的外幣金錢信託,專為銀髮族設計的安養信託,熱度不但不減,在中南部市場還掀起銷售熱潮,迄今已有20多家銀行推出安養信託商品。

銀行業者表示,國內利率低、加上新台幣匯率走弱,反觀美國升息在即、美元匯率長期看升,加上外幣資產的收益率優於新台幣、免去換匯麻煩、可直接交付外幣資金,都是外幣安養信託的優點。

國泰世華銀行信託部協理張齊家表示,「安養信託」是指高齡者可將自己辛苦累積的養老金,交給銀行專業管理,信託契約除可約定定期給付生活費給自己外,還可憑單據實支實付醫療費、養護機構及看護等費用。

張齊家說,委託人可指定信賴的親友、社福團體或專業人士擔任信託監察人,約定契約變更或提前終止需經信託監察人同意,共同為信託財產把關,確保養老金可「專款專用」在自己身上,避免遭他人詐騙或挪用。

舉例來說,一位高齡85歲的老婦人有300萬元老本,家人擔心被不肖子女不當挪用,便可跟銀行簽訂安養信託契約,除約定每月自動由信託專戶支付生活費3萬元外,未來若有醫療費及養護機構費用,均會由信託財產支應,保障財產安全無虞,安心享受老年生活。

 

矽谷心臟地帶 手機沒訊號
我的手機收訊一直中斷,這毫無道理,因為我位在矽谷的心臟地帶。實則帕羅奧圖市區多年來一直有手機收訊不良的問題,這個城市與科技的關係無疑是亦敵亦友。

六位總統都搞不定的「年金問題」
早在前總統蔣中正時代,就著手改革年金制度。43年來,歷經嚴家淦、蔣經國、李登輝、陳水扁、馬英九,改革聲浪一波波,但都只能穿著西裝改西裝,怎麼改,都來不及支應領退休金的速度。

 

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